Charter stopped appearing in NCUA call reports — usually a merger; NCUA doesn't publish the acquirer in this data. Figures below are from its last filing. All recent changes →
No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2025 | $121.5M | $110.4M | $71.3M | $9.0M | $-2.1M | -3.48% | 3.83% | 0.43% | 6,667 |
| Q1 2025 | $122.3M | $111.4M | $72.2M | $11.2M | $18K | 0.06% | 3.72% | 0.56% | 6,778 |
| Q4 2024 | $119.1M | $108.3M | $74.5M | $11.1M | $521K | 0.44% | 3.80% | 0.74% | 6,974 |
| Q3 2024 | $118.7M | $107.9M | $75.6M | $11.3M | $452K | 0.51% | 3.80% | 0.50% | 7,184 |
| Q2 2024 | $123.5M | $113.2M | $76.1M | $11.1M | $250K | 0.41% | 3.60% | 0.78% | 7,355 |
Loan mix (Q2 2025): real estate $34.3M · commercial $11.7M · consumer $19.3M · securities $26.8M
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.48% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -46.8% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 172.8% |
Peer lists, growth filters, CSV export, CRM push.
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Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.